A virtual keyboard trackable referral system that inserts trackable referral links into communications from a referring user to one or more recipients, and credits the referring user for actions or transactions resulting from these referrals. Uses a referral matcher coupled with a virtual keyboard, so that it is usable with any application or service that uses the keyboard. The referral matcher analyzes text or audio input to identify matches from a database of participating products, services, and merchants, and offers the user the option to insert a referral link to matching items. The matcher may also obtain and analyze other input, including audio or images. If a recipient uses the referral link and completes the action, a referral tracker credits the referring user. Referral links may initially direct a recipient to an intermediate server that may perform additional matching and selection and then redirect the recipient to a target destination.